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房产证贷款流程

浏览：40次 | 提问时间： 07-13 10:07
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6个答案
噩梦总比美梦短 07-13 10:07

只有房产证是不可以贷款的，除了本身的房产证以外而且还要具备一些相应贷款的条件，才可以向银行进行申请贷款。所需要具备的附加条件是：借贷人必须年满18周岁，而且最大年龄不能超过60周岁，有本地常住资格证，有比较稳定的工作和收入，具有一定的还款经济能力。只要满足这些附加条件的话都是可以拿着房产证去当地银行进行贷款申请流程的。

我的巴掌正好合适你的脸 07-13 10:16

现在很多人在办理贷款的时候基本上都是使用房产证去办理抵押贷款的，办理房产证抵押贷款的流程其实也不是特别复杂。首先我们需要到当地的银行去申请抵押贷款，然后需要准备好自己的房产证。另外在办理贷款的时候，银行需要审核我们的一些材料，比如说你的收入证明，还有你的征信报告。如果材料没有问题的话，我们需要把房产证交给银行，然后签定合同，将来等到贷款全部还清了以后就可以去拿回房产证了。

学着你呼吸 07-13 10:24

首先，准备相关信息，包括婚姻身份证帐户证明，购买合同或银行对帐单发票的个人帐户银行审查借款人的贷款申请，购买合同，协议和相关材料。借款人应将抵押财产的产权证，保险单或证券交给银行保管。贷款双方的担保人应当签订并公证住房抵押贷款合同。贷款合同签订并经过公证后，银行通过转让方式将借款人的存款和贷款转入购买合同或贷款的指定的相关单位。

并不讨喜 07-13 10:32

房产证贷款也就是抵押贷款了，整个的交易流程不算特别的复杂。首先，你需要带上房产证等证件，到银行填写申请单子，其次，公正人员会对你的资质进行审核，同时也会对房子进行估价，要是没有任何的问题，就会跟你贷款合同，同时告诉你需要注意的事项，大概在十五个工作日之内，贷款就会打到你当初填写的银行卡里面，速度快的话一个月就可以办理好了，要是速度慢就需要两个月左右了。

纠缠呼吸 07-13 10:41

房产证贷款流程如下，第一，贷款人向银行提出贷款申请，填写贷款申请书，然后提交个人的身份证，结婚证明，购房合同，购房发票，收入证明，银行流水等资料。第二，银行审核贷款人提供的资料，贷款申请书，贷款人的资质，审核通过以后银行会和贷款人签订贷款合同。第三，贷款人把房产证交给银行进行抵押。第四，银行将贷款人的贷款额度划到贷款人的账户中。

初晴Moment 07-13 10:49

房产证贷款流程如下第一，贷款人向银行提出贷款申请，填写贷款申请书，然后提交个人的身份证，结婚证明，购房合同，购房发票，收入证明，银行流水等资料。第二，银行审核贷款人提供的资料，贷款申请书，贷款人的资质，审核通过以后银行会和贷款人签订贷款合同。第三，贷款人把房产证交给银行进行抵押。第四，银行将贷款人的贷款额度划到贷款人的账户中。

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